Adults spend the most on dental care between the ages of 65 and 79, but original Medicare (Parts A and B) and Medicare supplemental coverage (Medigap) don’t include dental coverage. Because of this, nearly half of all Medicare recipients don’t have dental benefits.

Fortunately, there are other options that may be available for getting coverage, such as:

• Most Medicare Advantage Plans (Plan C)
• Individual coverage offered by benefits providers like Delta Dental
• Medicaid (in some states)
• An employer retiree plan
• A family member’s employer-sponsored plan

If your employer offers an HSA, you can contribute tax-deductible savings that can earn interest and investment gains. Whatever money you save in your account is yours to keep, and you can make contributions up to the month before enrolling in Medicare. The money in an HSA can be used to fund out-of-pocket medical and dental costs both before and during your retirement.

Using HSA money on eligible health costs grants what’s known as a triple tax advantage: your initial contribution to the account is tax-free, your money’s growth within the account is tax-free and the disbursement for eligible costs is also tax-free.

Just because you’ve retired doesn’t mean you should take a break from your oral health care regimen. To prevent tooth decay and gum disease, which are some of the most common chronic diseases in seniors, don’t forget to follow these tips.

• Brush your teeth at least twice a day for two minutes each time.
• Be sure to floss daily.
• Get regular dental exams and cleanings so your dentist can uncover problems when they’re easier and less expensive to treat.